Privacy Policy

Revised May, 2010

Protecting you and your family from loss is important to Bollinger. Just as
important to us is protecting your privacy and the personal information we use
to provide you with superior products and service.

The policy of
Bollinger and its subsidiaries is to maintain appropriate confidentiality with
regard to all personal information obtained in the course of doing business with
you. Our pledge to protect your privacy is reflected in this Privacy Policy
which outlines our procedures for collecting, using and safeguarding your
personal information and information about your relationship with us.

Personal Information Bollinger CollectsBollinger
only collects personal information about you when it is necessary to conduct
the business of insurance. We limit the collection of personal information
to what we reasonably believe is needed to administer your account. As a
result, we collect personal information from the following sources:

Personal information you share with us directly, such as the information on
your insurance application, requested policy change information or other
forms you may complete;

Personal information you provide or which is
obtained through the process of handling a claim, including medical
information, such as from an accident or doctor report;

Personal
information about you from your transactions with us such as the type of
coverage you purchase; and

Personal information about you from a consumer
reporting agency, such as a Motor Vehicle Report.

If you visit or
use any of the Bollinger websites, we may use "cookies" (small text files
transferred from our website to your hard drive) to recognize repeat users,
track usage and facilitate your access to and use of the site. We do not use
"cookies" to gather personal information, and we do not link "cookies" to
identifiable information, they are only used to enable you to use our
websites more easily.

Personal Information Bollinger
DisclosesBollinger is permitted by law to disclose your
personal information in the situations described below without your
permission.

To a third party if the disclosure will enable that party to
perform a business, professional or insurance function for us. This includes
to a consumer reporting agency for the purpose of obtaining a credit report
or a Motor Vehicle Report in order to determine eligibility for coverage or
to process your requested transaction;

To an insurance company in order
to detect or prevent criminal activity, fraud, or misrepresentation in
connection with an insurance transaction;

To an insurance company for the
purpose of performing a function in connection with an insurance transaction
involving you;

To insurance companies for the purpose of seeking
multiple quotes for your insurance needs; and

To an insurance regulatory
authority, law enforcement, or other governmental authority as required by
law, or in order to protect our interests in preventing or prosecuting
fraud, or if we believe that you have conducted illegal activities.

Protected Health Information Bollinger Discloses
Bollinger is permitted by law to disclose your Protected Health Information
in the situations described below without your permission.

To the Secretary of the Department of Health and Human Services, if
necessary, to make sure your privacy is protected;

To a medical care
institution or medical professional in order to verify coverage, benefits,
or treatment in order to process a claim;

To perform activities or
services for your group health plan or the insurance carrier providing the
group health plan but only to the extent allowed by law;

With Bollinger’s
agents or subcontractors as necessary for Bollinger to perform services on
behalf of an insurance company or group health plan but only to the extent
allowed by law and pursuant to an agreement by the agent or subcontractor to
abide by these privacy rules;

To an insurance regulatory authority, law
enforcement, or other governmental authority as required by law, or in order
to protect our interests in preventing or prosecuting fraud, or if we
believe that you have conducted illegal activities; andWhere required by
law.

In any situation not specifically addressed in the law, Bollinger must
get your written authorization to use or disclose your Protected Health
Information. Such authorization may be revoked by you at any time, except if
we have already taken action based on your authorization.

Your Right to Access and Amend Your InformationYou have the
right to request access to your personal information. You may know the
source of the information and the identity of the persons to whom we have
disclosed such information within the two years prior to your request. You
may view the personal information, copy it in person or ask that a copy be
sent to you (for which we may charge a reasonable fee to cover our costs).
You have the right to request corrections, amendments or deletions to the
personal information.

To obtain access to your information: Submit
your request in writing to Privacy Officer, Bollinger, Inc., 101 JFK
Parkway, Short Hills, NJ, 07078. The request should include your name,
address, telephone number and the information to which you would like
access. The request should state whether you would like access in person or
a copy of the information sent to you. Upon receipt of the request we will
contact you within thirty business days to arrange access.

To correct, amend or delete any of the information: Submit
a request in writing to Privacy Officer, Bollinger, Inc. 101 JFK Parkway,
Short Hills, NJ 07078. The request should include your name, address,
telephone number, the specific information in dispute, and the identity of
the document or record that contains the disputed information. Upon receipt
of your request, we will contact you within thirty business days to notify
you that either we have made the correction, amendment or deletion, or we
will not do so and our reasons for such refusal, which you will have an
opportunity to challenge.

Bollinger’s Security PracticesWe have a strict
Information Security Program in place to safeguard your privacy. We maintain
physical, electronic and procedural safeguards that comply with federal and
state regulations to protect personal information. Some of these measures
involve technology to maintain data security and restrict access to
authorized users. Some are more traditional and include training employees
about the importance of confidentiality and customer privacy.

More InformationShould you have questions regarding
Bollinger, Inc.'s Privacy Policy, you can contact us by writing to Privacy
Officer, Bollinger, Inc., 101 JFK Parkway, Short Hills, NJ, 07078; calling
directly us at 973-467-0444; or email us at
PrivacyOfficer@BollingerInsurance.com